Aspects of the disclosure relate to performing enhanced deposit item processing using cognitive automation tools. In some embodiments, a computing platform may receive, from a deposit item input support server, image data associated with a deposit item. Subsequently, the computing platform may apply a machine learning classification model to the image data associated with the deposit item. In doing so, the computing platform may produce one or more predicted values for one or more fields of the deposit item and one or more confidence scores for the one or more predicted values. Based on these predicted values and confidence scores, the computing platform may generate and send one or more commands directing the deposit item input support server to accept or reject the deposit item, which in turn may cause the deposit item input support server to accept or reject the deposit item.
Legal claims defining the scope of protection, as filed with the USPTO.
2. The computer system of claim 1, wherein receiving the first image data associated with the first deposit item from the first deposit item input support server comprises receiving the first image data associated with the first deposit item from the first deposit item input support server in real time as the first deposit item is presented for deposit.
3. The computer system of claim 1, wherein receiving the first image data associated with the first deposit item from the first deposit item input support server comprises receiving image data comprising handwritten text.
4. The computer system of claim 3, wherein receiving the first image data associated with the first deposit item from the first deposit item input support server comprises parsing the handwritten text using one or more computer vision models.
5. The computer system of claim 1, wherein applying the machine learning classification model to the first image data associated with the first deposit item produces a predicted value for a legal amount of the first deposit item and a confidence score for the predicted value for the legal amount of the first deposit item.
6. The computer system of claim 1, wherein applying the machine learning classification model to the first image data associated with the first deposit item produces a predicted value for a convenience box amount of the first deposit item and a confidence score for the predicted value for the convenience box amount of the first deposit item.
7. The computer system of claim 1, wherein applying the machine learning classification model to the first image data associated with the first deposit item produces a predicted value for a payee field of the first deposit item.
8. The computer system of claim 1, wherein applying the machine learning classification model to the first image data associated with the first deposit item produces a predicted value for a date field of the first deposit item.
9. The computer system of claim 1, wherein applying the machine learning classification model to the first image data associated with the first deposit item produces a predicted value for a signature field of the first deposit item.
10. The computer system of claim 1, wherein applying the machine learning classification model to the first image data associated with the first deposit item produces a predicted value for an endorsement field of the first deposit item.
11. The computer system of claim 1, wherein applying the machine learning classification model to the first image data associated with the first deposit item produces a predicted value for a magnetic ink character recognition (MICR) line field of the first deposit item.
14. The method of claim 13, wherein receiving the first image data associated with the first deposit item from the first deposit item input support server comprises receiving the first image data associated with the first deposit item from the first deposit item input support server in real time as the first deposit item is presented for deposit.
15. The method of claim 13, wherein receiving the first image data associated with the first deposit item from the first deposit item input support server comprises receiving image data comprising handwritten text.
16. The method of claim 15, wherein receiving the first image data associated with the first deposit item from the first deposit item input support server comprises parsing the handwritten text using one or more computer vision models.
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May 4, 2020
September 6, 2022
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